YOU MAKE GOOD MONEY. IT SHOULDN’T STILL FEEL LIKE GUESSING.
Stop guessing with your money.
Start choosing what it does.
The DAD Plan helps you connect spending, savings, debt, retirement, college, and everything else competing for your money so you can see the trade-offs and make decisions with confidence.
Not ready for a Test Drive? Stay in the loop.
You’re not bad with money. You’re making financial decisions one at a time.
Can we afford the vacation? Should we save more for college? Are we putting enough away for retirement? Do we have enough in our emergency fund?
Each question makes sense on its own. The problem is that none of them exists on its own.
Every dollar assigned to one priority is unavailable for another. When you can’t see those trade-offs, you’re forced to guess.
What changes when your financial life connects.
Instead of managing spending, savings, debt, retirement, college, and future goals separately, the DAD Plan brings them into one system so you can see how every decision affects the others.
See the whole picture.
Connect your income, spending, assets, goals, and future needs in one place.
See the trade-offs.
Understand what every dollar is competing with so you can choose deliberately.
Run the system.
Turn the plan into a repeatable monthly process you can confidently manage yourself.
Built around your actual finances. Built with you one-on-one. Built so you can run it yourself.
Hi, I’m Joe. I built this because I needed it, too.
In 2009, I graduated from business school with a six-figure salary and more than $100,000 of debt. Then I bought the house, the cars, the motorcycle, and quickly discovered that making good money didn’t mean I knew what to do with it.
I felt trapped by a life I had built one financial decision at a time.
What changed wasn’t that I suddenly became more disciplined. I started looking at my finances the way I approached operations: as one connected system. I got clear on where the money was going, what I wanted it to accomplish, and what every choice meant for the others.
That clarity helped me pay off $90,000 of student debt in seven months. Over time, it helped my family eliminate our mortgage, build wealth, and create options I never had when I was living paycheck to paycheck.
After 13 years at Apple and two decades working in operations, I left to help other families gain the same clarity—not by telling them what they’re allowed to spend, but by helping them see the whole picture, understand the trade-offs, and build a system they can actually run.
Take the wheel. Live free.
Featured In
My story first gained national attention after I paid off $90,000 of student debt in seven months.
That story started with debt. The work today is bigger: helping families understand how their money connects, see the trade-offs, and use it deliberately to create more options.
A financial system built around your actual life.
In four working sessions, we turn your real finances into a plan, make the trade-offs visible, and build a system you know how to run.
STEP 1
Build Your Baseline
See where your money is actually going today and how your current system stacks up against your goals.
Outcome: Understand your starting point.
STEP 2
Build Your Plan
Set priorities, work through the trade-offs, and create a cash flow plan built around your real life.
Outcome: Know what each dollar needs to do.
STEP 3
Learn to Run Your System
I walk you through the customized system and teach you how to run the monthly system yourself.
Outcome: Know how to run your system each month.
You leave with:
A financial plan built from your real numbers • A customized system to manage it • The training to run it yourself • Ongoing workbook support when you need help.
Takes about 5-10 minutes. You’ll schedule a 30-minute fit call and complete a short intake form.
Investment: $999 for the full system
Desktop Microsoft Excel required; license not included.
Not ready for a Test Drive? Stay in the loop.
STEP 4
Validate Your First Review
You run your first monthly review on your own, then we meet one more time to fix mistakes, answer questions, and make sure you’re ready to keep going.
Outcome: Leave confident and self-sufficient.
Frequently Asked Questions
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No. Debt is where my own story started, but the DAD Plan is much bigger than debt payoff.
It’s designed to help you understand how your spending, savings, retirement, college funding, debt, upcoming expenses, and other goals all compete for the same dollars—then build a plan around the trade-offs that matter to you.
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Absolutely.
The DAD Plan was built with families and parents in mind, but you do not need to be a dad—or a parent—to use it. If you want a clearer way to understand your finances, make intentional trade-offs, and manage your money going forward, you’re welcome here.
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Whenever possible, yes.
Money decisions usually affect the whole household, and the plan works best when both partners understand the priorities and trade-offs behind it. That said, one partner can take the lead if schedules or interest levels make that more practical.
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That’s completely fine.
A financial advisor may help manage investments or provide longer-term financial advice. The DAD Plan focuses on something different: connecting your day-to-day cash flow, spending, reserves, debt, goals, and wealth-building priorities into one system you can actually operate.
The two can complement each other.
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No.
Apps can be great at showing you where money went. The DAD Plan goes further by helping you decide what your money should do next.
We build the plan around your actual finances, make the trade-offs between competing priorities visible, and give you a monthly system for staying on track.
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Yes. The DAD Plan workbook requires the desktop version of Microsoft Excel. Excel for the web is not supported, and an Excel license is not included in the $999 program price.
You do not need to be good at Excel. I do most of the build work behind the scenes, then teach you exactly what you need to know to complete your monthly review. You don’t need to understand the formulas—you need to understand the decisions the system is helping you make.
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There is some setup work, but I intentionally keep it as light as possible.
You’ll provide your financial information, review transaction categories where I need your input, participate in the four working sessions, and ultimately learn to complete the monthly review yourself.
Once the initial information is collected, I do most of the heavy lifting to build the system.
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The system is yours, but you’re not left on your own.
You’ll have lifetime workbook troubleshooting, email support for workbook and monthly-review questions, and the option to book paid 1:1 recalibration sessions if your circumstances or goals change.
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Yes.
If you want additional help after the four included sessions, or life changes and you want to revisit the plan, you can book additional 1:1 coaching sessions.
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Yes. The system I build for you runs in Microsoft Excel, so you’ll need access to a recent version of Excel: Microsoft Excel for Microsoft 365 or Excel 2024 or later on Windows or Mac. This is important because the workbook uses modern formulas that may not work correctly in older versions.
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You do not need to have everything figured out before we start. That would defeat the purpose.
There is no shame in having debt, overspending, missing savings goals, or simply not knowing what to do next. We’ll focus on understanding what the current system is producing, what you want your money to accomplish, and what needs to change from here.
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Yes.
Your financial information, goals, concerns, and personal circumstances stay between us. The DAD Plan is designed to be a judgment-free place where you can speak openly about what is actually happening with your money.
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If you give the DAD Plan your best effort and complete the program but do not leave with real clarity and a system you can actually use, I’ll refund you in full.
No questions asked.
Ready to stop guessing?
Take a Test Drive and see how the DAD Plan connects your financial life, makes the trade-offs visible, and helps you choose what your money does next.
Not ready yet? Stay in the loop.